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What is CIG Pannonia Life Insurance OJSC PB Ratio?
CIG Pannonia Life Insurance OJSCFRA:0CKA 49 PB Ratio is 1.11 as of Jul. 14, 2026, which is 45% below its 10-year median of 2.03. GuruFocus rates FRA:0CKA with a GF Score™ of 49/100 and a GF Value™ of €0.94 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 500 Insurance companies, CIG Pannonia Life Insurance OJSC ranks better than 64.8% on this metric.
FRA:0CKA'
s PB Ratio Range Over the Past 10 Years
Min: 0.77 Med: 2.03 Max: 4.04
Current: 1.15
During the past 13 years, CIG Pannonia Life Insurance OJSC's highest PB Ratio was 4.04. The lowest was 0.77. And the median was 2.03.
FRA:0CKA's PB Ratio is ranked better than 64.8% of 500
companies
in the Insurance industry
Industry Median: 1.395
vs FRA:0CKA: 1.15
During the past 12 months, CIG Pannonia Life Insurance OJSC's average Book Value Per Share Growth Rate was 13.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 15.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of CIG Pannonia Life Insurance OJSC was 51.70% per year. The lowest was -33.20% per year. And the median was 11.30% per year.
Back to Basics: PB Ratio
CIG Pannonia Life Insurance OJSC (FRA:0CKA) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
CIG Pannonia Life Insurance OJSC PB Ratio Related Terms
CIG Pannonia Life Insurance OJSC PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Life subindustry, CIG Pannonia Life Insurance OJSC's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CIG Pannonia Life Insurance OJSC PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, CIG Pannonia Life Insurance OJSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where CIG Pannonia Life Insurance OJSC's PB Ratio falls into.
CIG Pannonia Life Insurance OJSC PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
CIG Pannonia Life Insurance OJSC (FRA:0CKA) has a PB Ratio of 1.11 as of Jul. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CIG Pannonia Life Insurance OJSC and its competitors. This is 45% below median its historical median of 2.03. Over the past decade, CIG Pannonia Life Insurance OJSC's PB Ratio has ranged from 0.77 to 4.04. According to the industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #176 out of 500 companies in the Insurance industry, placing it in the top 35.2%.
Is CIG Pannonia Life Insurance OJSC's PB Ratio too high?
CIG Pannonia Life Insurance OJSC's current PB Ratio of 1.11 is 45% below median its 10-year median of 2.03. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 4.04. The Insurance industry median PB Ratio is 1.40. CIG Pannonia Life Insurance OJSC's value of 1.11 is 20.4% below this industry median. Based on the distribution chart, CIG Pannonia Life Insurance OJSC ranks #176 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, CIG Pannonia Life Insurance OJSC has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CIG Pannonia Life Insurance OJSC's PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #176 out of 500 companies for PB Ratio. This puts CIG Pannonia Life Insurance OJSC in the upper half of its industry. The industry median PB Ratio is 1.40. CIG Pannonia Life Insurance OJSC's value of 1.11 is 20.4% below this benchmark. Historically, CIG Pannonia Life Insurance OJSC's own PB Ratio has ranged from 0.77 to 4.04 over the past decade. While the company's 10-year median is 2.03 vs. the industry median of 1.40, CIG Pannonia Life Insurance OJSC has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIG Pannonia Life Insurance OJSC's current PB Ratio of 1.11 is 20.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CIG Pannonia Life Insurance OJSC and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIG Pannonia Life Insurance OJSC's current PB Ratio is 1.11, which is 45% below median its own 10-year median of 2.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIG Pannonia Life Insurance OJSC stock overvalued right now?
Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC (FRA:0CKA) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.94, compared to a current price of €0.84 — trading 10.6% below its estimated fair value. The current PB Ratio is 1.11, which is 45% below median its 10-year median of 2.03 and 20.4% below the Insurance industry median of 1.40. CIG Pannonia Life Insurance OJSC's overall GF Score™ is 49/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For CIG Pannonia Life Insurance OJSC (FRA:0CKA), the current PB Ratio is 1.11 as of Jul. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CIG Pannonia Life Insurance OJSC (FRA:0CKA) Overvalued in 2026?
Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC stock appears to be undervalued.
The current stock price of €0.84 is trading 10.6% below its estimated GF Value™ of €0.94.
GuruFocus considers CIG Pannonia Life Insurance OJSC to be Modestly Undervalued.
Key valuation signals for FRA:0CKA:
PB Ratio: 1.11 (45% below median its 10-year median of 2.03)
GF Value™: €0.94 vs. price of €0.84 (10.6% below fair value)
Industry Position: 20.4% below the Insurance median (#176 of 500)
No single metric tells the full story. See the FRA:0CKA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CIG Pannonia Life Insurance OJSC Business Description
CIG Pannonia Life Insurance OJSC is an insurance company. The company mainly sells various insurance products including unit-linked life insurance, term life insurance, endowment insurance, health insurance, casco, freight liability and suretyship insurance and also offers investment fund management and portfolio management. The company carries its activities in Hungary, Romania, Slovakia, and Italy. In addition, the company sells riders and non-life insurance products.
49GF Score
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